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Tesco Credit Card and Clubcard points
I have an Amex Platinum but not feeling the cashback is great. Had Amex Gold in the past and Tesco credit card too but closed those. Thinking of getting a tesco credit card again for the clubcard points......I know the clubcard value was halved a year ir two ago but we sometimes like to use the 4 x boost for pizza express.…
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How is the Halifax 29 card 2.5% AND 0%?
https://www.halifax.co.uk/creditcards/balance-transfer-and-purchase-card/ Isn't this contradictory? When I get to this card from the MSE link it lists 0% not 2.5% in that middle one. Does MSE have a special deal?
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Advise required on Corporate Credit Card Debt
Hi, I am new to the forum and really need advice on the following - I used to have a limited company which I had to dissolve 2 years ago due to lack of cash flow and new business, prior to dissolving the company the only debts outstanding was on a company credit card balance of around £1400, we wrote to barclays and…
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John Lewis Have Charged Me Interest
Hi All. I recently took out the John Lewis Partnership credit card to make a purchase from JL themselves, having seen (and been told countless times by the salespeople in-store) that it carries a 6-month interest-free period. The timeline is as follows: 05/06/17 - went to JL and got the credit card. Made a purchase that…
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Interest on date of purchase
Just realised that TSB credit card is charging interest from date of purchase rather than payment date. £5 cash back offer is not all what it seems.
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Paying off personal loan
HI I had a personal loan of £15,000 of which £10,500 is still owed and has 22 months to run of a 36 month period at £474/month at 8.9% Is there a better way to pay a personal loan off? Thanks
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Origin Vanquis Credit Card + Turning 18 Advice
Hi all, I turned 18 in July and swiftly began the adulthood role of ensuring my financial affairs are stable and your credit report is good for the future. Obviously having no previous credit history, lenders are not willing to invest in the risk involved of having no past records regarding handling of credit. My Experian…
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first credit card
I need to start building credit rating as have very little on my credit file. Have a good income (50000£) per year (albeit with 20000 or so in student debt) so wanted to go for slightly better than the poor credit history credit cards. Is it true that you are more likely to be accepted by your own bank as they have access…
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Debt to income ratio
Hi all I'm wondering if for credit scoring purposes if my debt to income ratio is better for being on a 0% rate, or do they work it out from assuming you'll end up on their non-promotional rate? And also is debt: income ratio better with 0% credit cards or loans? I'm currently slowly winding up a stooze, I would consider…
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Beware PayPal recurring payments
I often use Paypal to pay for things online, because my credit card details do not need to be disclosed to the seller. I wasn't aware however that automatic recurring payments can occur by this route. I bought (I thought) a one-off subscription to AVAST anti-virus and paid by PayPal. To my surprise, a further year's…
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Over-the-Counter Cash Advances?
If I walk into a branch of the Halifax clutching my Halifax Clarity Credit Card, can I request (and receive) a Cash Advance over the counter? If so, can the amount of this Cash Advance exceed the £500 daily limit applied to cash obtained from an ATM? Thanks in advance.
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Can I make multiple 0% transfers to a new CC?
We're in a position where cash-flow is an issue for only for a short period - we have bought a larger house with a maxed out mortgage and other set-up costs which are hitting the CC hard. Meanwhile we are in advanced stages selling two properties both mortgage-free. This means that we're right at the bottom of savings (not…
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Halifax Clarity Credit Card Cashback
We have ordered Clarity cards but we are not going abroad in the near future. Can anyone suggest a way to get the cashback? Thanks, Jerry
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Lloyds offered to increase credit limit - I declined - is it OK?
So I was living perfectly fine with credit card limit at £4000. This month I have used a bit more than usually, putting my balance to ~2500 and then my bank sent me the letter saying that they are increasing my limit to 6000 from the end of August. Now, I do not want that, I do not need that. And in addition, at the moment…
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Switching current accounts will I get the Halifax £125 incentive?
Hi I am sorry this is probably in the wrong section but I couldn't find a current account section to post this in. I signed up for the Halifax Reward Current Account off the back of a Martin post which gave £125 cash and £3 every month if you meet certain criteria, the cut off for this deal was 31st July. I promptly signed…
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Section 75 refund - what happens next?
We bought a sofa from a major retailer this year. It turned up damaged. they wanted to repair it, we said no thanks can we have a refund. They deliberately dragged their feet. After getting fed up of chasing I spoke to Amex and they refunded us within 5 days. But what I can't find out is a. does amex chase the retailer for…
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Aqua card ....faster payments
Just got a aqua card and was looking for payment details. I prefer to use the faster payments option rather than a direct debit. But I cannot find the back details that aqua use ? Ok, I've not had the first statement yet but would prefer to set it up asap Thanks
